Cure? Is there a cure????? I think you are outa luck on that one Kathleen. LOL I keep telling myself to just not go to any of the stores that have the neat dishes and accessories--but I do love to browse and see all the pretty things. However, looking makes me want some of those and more of that! Even my little 4 year old GD told me she has the "I wants", I told her I have the same problem. I asked her if she was ready to go to work so we'd have more money to buy things. She said "Gramma, I don't know how to work, but we could ask my Daddy to give us some money so we could buy them!" Out of the mouths of babes! LOL Of course I told her I thought that was a wonderful idea! ;o) Luvs

I agree. I don't mind spending more to buy at local businesses. I just ordered tile for our bath update and spend more than I could have gotten it online, but the store is a locally-owned business. OTH, I priced a faucet and toilet at a local plumbing supply and their price was $500 more for the exact same items than I could get it online. That's too much difference for me to go local. I admit I didn't ask the plumbing store to match the online price but mainly because it was so much. Dee

On #s 15 & 16, I think it's important to point out that often the alternative to refi and the like is simply pay down the principle! Especially if you're early in the mortgage, every nickel you pay toward the principle means the balance of the loan's interest on that nickel goes into your pocket. Ol' Joyful, I'll need some of your expertise here, but could you figure a rough calculation of an average type house loan, average refi costs applied to the current loan and how that would compare in the end? I think it'd be interesting. Also, said before, but often people think they "need" a new car and don't consider if they put some money into the old one, it'd save in the long run. Remember, new cars have higher insurance and license costs so there's more than the initial price to consider. I would take a bit of issue too with the convenience store avoidance. You could actually save money if wise. Often, convenience stores sell eggs, milk, bread etc at very low prices, often far less than the markets. Plus it's not a special trip, saves time plus there can be (tho not guaranteed - it's up to you) fewer impulse buys. The longer you're in the grocery store, stats say you'll spend more. Again, it's how savvy you are, but be careful. #18 (Shudder) Buyer's Brokers are seldom a good thing. Let's face facts, no real estate agent/realtor or the like works FOR the buyer! Who pays them? The seller. How do they get paid more? By "benefitting" the seller. There's no way the buyer benefits from realtors. The fewer the better in most cases. Why? Because you can often negotiate the realtor fees. If you have one realtor taking the entire commission, it's far easier to negotiate them down than to negotiate with multiple agents and try to negotiate down when they're getting 1/4 or less of the commission. Beware of this statement and check into these claims. You're far better off to have a good real estate attorney on your side. S/He'll be working for YOUR benefit. Mine found problems in the paperwork and embarrassed the daylights out of the stack of realtors, closers and the like at my closing! It was hilarious! Now as for the inspector, yes, that can be worthwhile, but don't use one recommended by the realtor (kickbacks) and make sure you know what they're inspecting, their qualifications and the like. A good alternative can be a trusted friend with qualifications. Hire like any professional. Realize, though, that the inspectors DO NOT GUARANTEE the house! So if they overlook something, it's not their fault or responsibility and they won't be doing anything for you so know what you're getting. A title examination, especially of abstract properties, can be very important especially if you don't know how to read an abstract. Torrens is less problematic. Buying a home brings up a pandora's box of potential problems and far too many to go into here, but there's some things to be careful of. #21 Consumer Reports is a pet peeve of mine. They're often very biased in their reporting. Plus, keep in mind that they do not "test" ALL models and versions, even of similar products! Do you realize that the washer you buy at Home Depot is different than the one you buy at Best Buy and they're both different than the one you buy from a mom-n-pop dealer? That can have significant differences in the specs and needs. One can have cycles and features the other doesn't. Don't get caught up in the CR myth. Read their magazine with a shaker full of salt and do far more research than CR. You'll be doing yourself a favor. That's enough for now. There's more opinions coming, I'm sure! :) Happy saving all! Enjoy the frugal season!

I do many of the things mentioned here. I am a proud thrifty person. When I married dh, I had quit my job due to an illness that kept me from being able to do it. He said I didn't have to work, and I told him I could make his pay stretch to exceed the amount that I was earning anyhow. He didn't believe me.... now he is amazed. I believe pennies add up to dollars. At first, he balked at some of my frugalness. He loved stopping at convenience stores, and grabbing things on the way to work. Now he gets a lunch that is the envy of his coworkers... they question what his cuisine of the day is, and drool... LOL He had trouble giving up eating out. But I keep my own homemade 'fast food' handy (like burger and fries, frozen homemade soups, etc), and on his trip home he will call and I give him the menu of the night.... let him order... and its ready when he gets here. Not every night, but a couple times a week. He is loving that now, he can eat supper in his sweat pants! I don't have to spoil him this way. However, its my way of staying frugal and keeping with his urge of 'what am I in the mood to eat tonight'. It works for us. Before we married, I watched him throw away food with bad spots in it. I just cringed! I use every little bit of everything... throwing away food is a huge no-no for me. 99% of our clothes are second hand from a thrift shop. I am very crafty, so I am always on the lookout for plain drab clothes that can be altered in some way and items I can rip up for the sewing notions off them. A plain t shirt embellished with lace insert made from an old lace curtain. A boxy blouse into a fitted with a few tucks sewn in. I keep my pantry and freezer full by ONLY buying what is on sale at my local store that week. If nothing 'grabs' me in the ad, I don't even shop. I am not brand loyal to many things. To me, name brand prices are silly, and I am just paying for the flashy ads. I never buy manufactured foods. Cheap or not. I can make the same thing cheaper, and know what ingredients are in it. Dh swears his health has improved due to my 'quality control' as he calls it. I keep my house cool in the winter, and warmer in the summer. I use power strips to shut off those appliances that pull electricity even when not in use. And unplug chargers when not in use. I use CFL bulbs in the lights that stay on for long periods of time. Shut off lights when no one is in the room. I bought an HE washer, which PAID FOR ITSELF in less than 6 months in the savings of water/sewer usage. Also, it is so gentle on clothes, your clothes last longer. I make my own laundry soap. I don't buy fancy cleaners. Ammonia, bleach and soap clean everything I need to clean. I WILL NOT run to the store for a craving. I see this with people around me. If it isn't in the house, we do without. I always do errands together while I am out. I use direct debit from my account for bills that I can. I mail other bills that are local, rather than deliver them in person. A stamp cost less than starting the vehicle and driving a block! I will walk to do some errands, on nice days. I use a tv antennae. I can use my internet connection to watch other shows. I cut the families hair, and my own. I know my hair better than a salon, and always have a nice style than they give me! Our two vehicles are over 15 years old, and well maintained. I try to repair anything that is broken, but if I can't, I do save any useful parts before discarding. It so handy to have a spring or a screw in the 'parts box' for another project. I always try to re-purpose things. Ruffled pillow shams have been valances, and chair back covers, as well as pretty pillow covers. I use olive oil for face cream. Cheap tearless baby shampoo to wash my face, and add table sugar to it when I want exfoliation. Vaseline for body lotion. I will take others cast off furniture. The only item I have bought new was our mattress. Paint or stain can make almost anything else 'match'. My decor is family photos and drawing from grandchildren, framed in thrift store frames or on bulletin boards, house plants and mirrors. My kitchen decor is the items I use to cook with. We have no debt. I am sure there is much more. Yes, cooking from scratch and sewing, etc seems to take a bit more time. Maybe not, since I save the time that I would have spent driving to and sitting in a restaurant, or walking through a mall! But I take caring for family as serious as if I clocked into a job every day. I see people give more effort to their employer, than their own home and family, and I wonder.... about their priorities. I got my 'reward' just recently. My dh told me I am an amazing woman. I took 'nothing', and made a beautiful home out it....